Looks pretty safe to me, I would maybe just put 50k of that in the market as a hedge in case the market goes the other way...look at mlt arg...reduce your 200k by 25k and your 100k US by 25k...even look at long dated call options etc Maybe buy 15k silver and 35 gold aswell...you may get a better return in bonds/bank bills or floating rate notes
was thinking of putting 200k into term deposit, usaver